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"Thevinternet's still in debt" diary

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  • thevinternet
    thevinternet Posts: 1,054 Forumite
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    Bl**dy bank have just charged me for going over my overdraft limit last month.

    Guess what? The charges have just put me over my overdraft limit AGAIN.

    :wall:

    Must this happen every month?!?
  • Dinah93
    Dinah93 Posts: 11,463 Forumite
    First Post First Anniversary Combo Breaker Bake Off Boss!
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    I'm fairly sure legally they can't charge you again if it's only their charges which are outside the overdraft limit.
    Debt January 1st 2018 £96,999.81
    Debt September 20th 2022 £2991.68- 96.92% paid off
    Met NIM 23/06/2008
  • thevinternet
    thevinternet Posts: 1,054 Forumite
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    Dinah93 wrote: »
    I'm fairly sure legally they can't charge you again if it's only their charges which are outside the overdraft limit.

    I'm not sure about that - it's because I'm signed up to some fancy 'reserve limit' with Barclays....£22 charge for every 5 days you are over, but there's a lot of stipulations and rules that go with it. The annoying thing is that if they do charge you, the charges seem to come out at completely random times in the month, there is no rhyme or reason to it so I don't plan for it as well as I could.
  • thevinternet
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    Better update - I'm letting this diary slip and that's no good for man nor beast.

    Not much to say - other than one of my loan payments ends this month and I can't wait.

    Work is quiet unfortunately, but I am doing lots of Ebay selling in the meantime to try and make-up some of the shortfall. I get paid in a couple of days, so I will pay the essentials and then spent a little on some new underwear...mine is all falling apart! :eek::D

    Still looking for a full-time job, so fingers crossed I get something soon.
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